The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$11,779
−HK$739/mo
▼ 0.25% · 3.875%
HK$12,146
−HK$372/mo
Today · 4.125%
HK$12,518
baseline
▲ 0.50% · 4.625%
HK$13,279
+HK$761/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$25,036/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,104
−HK$708/mo
▼ 0.25% · 3.875%
HK$13,456
−HK$356/mo
Today · 4.125%
HK$13,812
baseline
▲ 0.50% · 4.625%
HK$14,540
+HK$728/mo
Deposit HK$2.58M · loan HK$2.58M · min. income ≈ HK$27,624/mo (50% DSR)
Upfront cash ≈ HK$2.70M (deposit + AVD stamp duty HK$116,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,135
−HK$886/mo
▼ 0.25% · 3.875%
HK$14,575
−HK$446/mo
Today · 4.125%
HK$15,021
baseline
▲ 0.50% · 4.625%
HK$15,935
+HK$914/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$30,042/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,725
−HK$850/mo
▼ 0.25% · 3.875%
HK$16,147
−HK$428/mo
Today · 4.125%
HK$16,575
baseline
▲ 0.50% · 4.625%
HK$17,448
+HK$873/mo
Deposit HK$2.07M · loan HK$3.10M · min. income ≈ HK$33,150/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$116,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,491
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,004
−HK$521/mo
Today · 4.125%
HK$17,525
baseline
▲ 0.50% · 4.625%
HK$18,591
+HK$1,066/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$35,050/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,346
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,838
−HK$499/mo
Today · 4.125%
HK$19,337
baseline
▲ 0.50% · 4.625%
HK$20,356
+HK$1,019/mo
Deposit HK$1.55M · loan HK$3.62M · min. income ≈ HK$38,674/mo (50% DSR)
Upfront cash ≈ HK$1.67M (deposit + AVD stamp duty HK$116,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,202
−HK$1,330/mo
▼ 0.25% · 3.875%
HK$21,862
−HK$670/mo
Today · 4.125%
HK$22,532
baseline
▲ 0.50% · 4.625%
HK$23,903
+HK$1,371/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$45,064/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,588
−HK$1,274/mo
▼ 0.25% · 3.875%
HK$24,220
−HK$642/mo
Today · 4.125%
HK$24,862
baseline
▲ 0.50% · 4.625%
HK$26,172
+HK$1,310/mo
Deposit HK$517K · loan HK$4.65M · min. income ≈ HK$49,724/mo (50% DSR)
Upfront cash ≈ HK$633K (deposit + AVD stamp duty HK$116,229 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).